$0 Premium Medicare Advantage Plans in Maryland
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Maryland for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 7 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | CareFirst BlueCross BlueShield Advantage Essential (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPO16 of 24 counties · drug deductible $700Dental up to $1,200/yr · eyewear $250/yr | $0 | $7,151 | $7,151 | 2.5★ |
| 2 | Alterwood Advantage Select (HMO)Alterwood Advantage · HMO19 of 24 counties · drug deductible $295Dental up to $2,975/yr · eyewear $225/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 3 | Alterwood Advantage Select (HMO)Alterwood Advantage · HMO1 of 24 counties · drug deductible $295Dental up to $2,725/yr · eyewear $225/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 4 | HumanaChoice H5216-376 (PPO)Humana · PPO13 of 24 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $8,050 | $8,050 | 4★ |
| 5 | HumanaChoice H7617-044 (PPO)Humana · PPO13 of 24 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $8,050 | $8,050 | 4.5★ |
| 6 | Kaiser Permanente Medicare Advantage Value 1 MD (HMO)Kaiser Permanente · HMO5 of 24 counties · drug deductible $0Dental up to $500/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $8,200 | $8,200 | 4.5★ |
| 7 | Kaiser Permanente Medicare Advantage Value 2 MD (HMO)Kaiser Permanente · HMO3 of 24 counties · drug deductible $0Preventive dental · eyewear $200/yr · hearing aids $333/yr per ear | $0 | $8,900 | $8,900 | 4.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Maryland Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Maryland for 2027?
7 of the 23 general-audience Medicare Advantage plans with drug coverage in Maryland have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Maryland's $0 plans, the lowest in-network maximum is $7,151 and the median is $8,050.
Which $0 premium plan in Maryland has the lowest worst-case cost?
CareFirst BlueCross BlueShield Advantage Essential (PPO) from CareFirst BlueCross BlueShield Medicare Advantage, with an in-network out-of-pocket maximum of $7,151. It is sold in 16 of 24 counties.
Do any $0 premium plans in Maryland also have a Part B giveback?
None of the $0 plans with drug coverage in Maryland files a Part B giveback for 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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